Homeowners insurance cost in New Jersey by county
Historical county budgeting benchmarks built from a statewide NAIC average, county median home values, and bounded FEMA risk adjustments—not carrier quotes.
New Jersey overview
Across 21 published counties, the average modeled budget is $1,871/yr, with county estimates ranging from $910 to $2,809 per year.
Low confidence The baseline is the 2022 NAIC HO-3 state average of $1,417/yr. FEMA risk is a relative signal, not insurer underwriting.
County insurance budgets
| County | Median home | FEMA risk percentile | Insurance budget |
|---|---|---|---|
| Atlantic County | $295,000 | 92.97 (Relatively Moderate) | $1,292/yr |
| Bergen County | $623,000 | 97.84 (Relatively High) | $2,809/yr |
| Burlington County | $354,000 | 93.61 (Relatively Moderate) | $1,557/yr |
| Camden County | $287,100 | 93.23 (Relatively Moderate) | $1,260/yr |
| Cape May County | $434,600 | 91.03 (Relatively Moderate) | $1,882/yr |
| Cumberland County | $221,400 | 82.57 (Relatively Moderate) | $910/yr |
| Essex County | $524,100 | 97.71 (Relatively High) | $2,361/yr |
| Gloucester County | $310,400 | 86.64 (Relatively Moderate) | $1,309/yr |
| Hudson County | $539,700 | 97.23 (Relatively High) | $2,425/yr |
| Hunterdon County | $517,200 | 78.69 (Relatively Low) | $2,073/yr |
| Mercer County | $377,700 | 95.36 (Relatively High) | $1,678/yr |
| Middlesex County | $462,900 | 97.77 (Relatively High) | $2,086/yr |
| Monmouth County | $606,100 | 96.31 (Relatively High) | $2,708/yr |
| Morris County | $582,500 | 92.88 (Relatively Moderate) | $2,551/yr |
| Ocean County | $398,400 | 96.15 (Relatively High) | $1,779/yr |
| Passaic County | $459,500 | 95.83 (Relatively High) | $2,047/yr |
| Salem County | $239,500 | 76.53 (Relatively Low) | $947/yr |
| Somerset County | $552,100 | 90.94 (Relatively Moderate) | $2,390/yr |
| Sussex County | $369,400 | 77.45 (Relatively Low) | $1,469/yr |
| Union County | $529,200 | 95.48 (Relatively High) | $2,353/yr |
| Warren County | $346,500 | 80.76 (Relatively Low) | $1,408/yr |
Sources and limitations
Data as of 2022-12-31; FEMA version 1.20; data version 2024.1.
Sources: NAIC Homeowners Insurance Report; FEMA National Risk Index; U.S. Census ACS county median home values.
Read the insurance and PITI methodology
Insurance disclaimer: Estimate for budgeting only — not an insurance quote and not a binding price. Verify with the county assessor and a licensed professional before making financial decisions.